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Auto Insurance - Teenage driver

Old 11-25-2015, 06:02 PM
  #21  
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Originally Posted by Shag View Post
Ain't happening in NC. DL123 (proof of insurance) is required to get a license.

I did this in South Carolina, an insurance agent I was friends with told me to do it. Worked for me till our son got into an accident , then we added him. Got me 2 years.
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Old 11-25-2015, 06:17 PM
  #22  
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Originally Posted by carolina rig View Post
I did this in South Carolina, an insurance agent I was friends with told me to do it. Worked for me till our son got into an accident , then we added him. Got me 2 years.
I forgot that there are two Carolina's.
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Old 11-25-2015, 06:37 PM
  #23  
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I have 4 vehicles with 4 drivers and 2 of those drivers are boys under 25. I am paying just under $500 a month. I had a friend telling me not to add them to my policy unless they had wreck. He said you have a 24 hr grace period to add them to your insurance. That was working good for him until his son backed into someone and didn't tell him. There was no damage to his truck but did a lot of damage to the car he hit. His insurance covered the damage and then canceled his policy.

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Old 11-25-2015, 06:50 PM
  #24  
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Originally Posted by carolina rig View Post
Don't add them to the policy till insurance finds out they are driving. They will be covered regardless. This could buy you a year maybe longer, as long as they don't get a ticket or into an accident.
Yes it may but when that accident occurs your choice will be either pay ALL back premiums or handle the claim and suit on your dime. Some companies like progressive would tell ya to pound sand and it would stick. Occasional drivers are generally listed when there are more drivers than cars, typically rated on the most expensive. Primary drivers are generally listed when there are an equal or greater number of autos to drivers. When this occurs, primary drivers can be listed on the least expensive autos typically. Drivers under the age of 25 would be covered to drive any auto whether they are listed on said auto or not. Doubt you can title an auto in a kids name who is under 17 and you will still be sued even if they are the only name on the title. It's very easy for anyone to find out if your son/daughter is still a dependent from tax records. Insure them on a low symbol auto with liability and uninsured motorist BI, uninsured motorist property damage, multi-car discount, driver Ed & good student discount and expect to save 30%-40% annually.
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Old 11-25-2015, 07:33 PM
  #25  
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Damn, my oldest son gets his license in the spring when he turns 16. I haven't looked into what insurance will be yet. Now I'm scared.
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